Consumers feel better about their finances, but savings rates remain stagnant.
NEW YORK (CNNMoney)
Fewer than one in four Americans have enough money in their savings account to cover at least six months of expenses, enough to help cushion the blow of a job loss, medical emergency or some other unexpected event, according to the survey of 1,000 adults. Meanwhile, 50% of those surveyed have less than a three-month cushion and 27% had no savings at all.
"It's disappointing," said Greg McBride, Bankrate.com's senior financial analyst. "Nothing helps you sleep better at night than knowing you have money tucked away for unplanned expenses."
Even more disappointing; The savings rates have barely changed over the past three years, even though a larger percentage of consumers report an increase in job security, a higher net worth and an overall better financial situation.
Related: Seniors in 48 states face serious income shortage
So why aren't Americans saving more?
Last week, online lender CashNetUSA said 22% of the 1,000 people it recently surveyed had less than $100 in savings to cover an emergency, while 46% had less than $800. After paying debts and taking care of housing, car and child care-related expenses, the respondents said there just isn't enough money left over for saving more.
Related: Ben Bernanke's power over your money
"There really hasn't been much relief," said Megan Stanton, director of marketing for CashNetUSA "The economy is stagnant, $100 is not enough to help you out in an emergency." 
First Published: June 24, 2013: 12:59 AM ET
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